Keep the home
Ask your servicer about repayment, forbearance and modification. Payment timing, eligibility and long-term affordability need individual review.
Compare home-retention optionsSan Diego short sale help,
without the pressure.
If selling your home may not cover what you owe, a short sale could be one option. Start with clear answers.
01 Understand what a short sale means02 Compare ways to stay or sell03 Prepare the right questions
First, a little clarityWhen the numbers
When the numbers
no longer add up.
A short sale is a sale in which the proceeds are less than the amount owed on the mortgage, and the lender or servicer agrees to the transaction.
Whether you are managing a change in income, relocating, or facing missed payments, the right starting point is the same: understand your options and the deadlines that apply to you.
Read the short sale essentialsDEADLINES MATTERI’m not sure
I’m not sure
what to do next.
Do not assume a listing or short sale request stops a sale. Contact your servicer and qualified counsel promptly.
Know what to askSTAYING MAY BE POSSIBLEI want to keep
I want to keep
my home.
Ask your servicer about repayment, forbearance and loan modification before choosing a sale.
Explore alternativesSELLING MAY MAKE SENSEI’m ready to move
I’m ready to move
forward.
Understand equity, sale costs and lender approval before deciding whether a short sale fits.
See the processStart with what matters to you.
Sell with enough equity
Review value, payoff amounts and sale costs with your agent and escrow team. A traditional sale may be possible when proceeds cover what is needed to close.
Understand the numbersExplore a short sale
If proceeds fall short, ask about lender review. Written terms, remaining debt and taxes require separate attention from the appropriate professionals.
Review the key questionsLess uncertainty.
One step at a time.
From the first assessment to written lender approval, know what each decision is for.
Understand the process- 01
Initial conversation
Clarify your goal, timing and the options you want to understand.
- 02
Document review
Identify what is needed, who requests it and how to provide it securely.
- 03
Lender response
Track outstanding questions and review the lender’s actual written conditions.
- 04
Closing coordination
Reconcile approvals, documents and dates with escrow and the appropriate advisers.
Meet Leon CookExperience with the process.
Experience with the process.
Respect for your situation.
Leon founded Short Sale Experts Inc and helps homeowners, agents, banks and investors navigate short sales. His experience with documentation, lender follow-up and transaction coordination shapes this resource.
That experience starts with a simple principle: understand the options before choosing a path.
Meet the founderMore than 2,000families helped
Over $350 millionin debt forgiven through lender negotiations
What agents and partners said.
“Sara and Leon work efficiently, stay in communication and have a high standard of service and integrity.”
Realtor, San Diego, CA
“Their responsiveness and continual updates set them apart from other Short Sale negotiators out there.”
Broker Associate, SFR- Realty National, Inc., San Diego
“As a representative for the sellers, they handled the entire transaction in a professional manner which was helpful for me.”
Realtor, San Diego, CA
Guides for your next decision.
Understand the numbers
Separate home value, mortgage balance, payoff and sale proceeds.
Read the guide
Prepare your questions
Make a private timeline and know what to ask before sharing documents.
Read the guide
Review the written terms
Keep debt, taxes and deadlines as distinct questions.
Read the guideQuestions worth asking early.
Do I have to be behind on payments?
Do not deliberately miss payments to pursue a short sale. Eligibility depends on your loan, servicer and circumstances. Ask your servicer what requirements apply.
Will a short sale stop a foreclosure?
Not automatically. A request, offer or listing is not a guarantee that foreclosure activity will stop. Ask your servicer about your exact status and get legal help if a sale date is approaching.
Will I owe money or taxes afterward?
Debt liability and tax treatment are different questions. California law may provide protections for qualifying transactions, but exceptions and facts matter. Have a California attorney and tax professional review your situation and written approval terms.
A clear place to start
Contact usYou do not have to figure it out alone.
Organize your questions, understand the next decision, and prepare for a confidential conversation.